Lender in North Carolina · HMDA 2025
Lower, LLC mortgages in North Carolina
Lower, LLC's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Lower, LLC originated 801 owner-occupied single-family loans in North Carolina from 907 completed applications.
Its median conventional purchase loan costs were $5,450 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.624% (North Carolina: 6.50%).
Loans in NC
801
of 907 applications
Denial rate
3.7%
Purchase · NC 7.6%
Rate spread
+0.19 pts
Conv. · NC +0.04 pts
Loan amount
$285,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 652 | 624 | 3.7% | 6.624% | +0.19 pts | $5,450 | $285,000 |
| Refinance | 90 | 67 | 23.3% | 6.500% | −0.01 pts | $5,020 | $315,000 |
| Cash-out refinance | 165 | 110 | 31.5% | 6.875% | +0.32 pts | $6,050 | $315,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Edgecombe County | 4 | 17 | 5.1% |
| Nash County | 5 | 70 | 5.0% |
| Lenoir County | 7 | 19 | 3.8% |
| Wayne County | 8 | 65 | 3.9% |
| Carteret County | 10 | 31 | 2.9% |
| Greene County | 11 | 3 | 2.9% |
| Alexander County | 12 | 7 | 1.9% |
| Duplin County | 17 | 5 | 1.4% |
| Perquimans County | 17 | 4 | 2.0% |
| Anson County | 17 | 3 | 1.7% |
| Wilson County | 18 | 12 | 1.3% |
| Moore County | 20 | 27 | 1.2% |
| Jones County | 21 | 2 | 1.7% |
| Burke County | 23 | 7 | 0.7% |
| Onslow County | 25 | 31 | 0.6% |
| Randolph County | 25 | 17 | 0.9% |
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology